I am looking at a property with federal pacific breaker boxes.

I would sincerely advise reaching out to multiple professionals in the region you’re interested in.

Is it a national or regional bank?

Unless there is a specific reason that's out of the ordinary, most banks and hedge funds are trying to get the most they can get.I've seen one smaller regional bank willing to take more of a discount because the pool they bought had a couple of rezi loans and they were focused on the rest of the commercial loans which is what they really wanted.

Should I just call credit unions or smaller regional banks?

Even regional banks have a lot of personnel movement which makes it harder to build relationships. 

I'm wondering if anyone here has any insight into certain factors that can increase appeal on listings for this region.

It turned out to be the nicest investment property I have seen in my region and although I would have liked to have gotten it under contract for $20,000 less I realized the numbers work, the owner has taken great care of it, there’s no real maintenance issues, and the tenants are paying market rent and are on month to month leases so no problem evicting if they stop paying.

@Michael MancivalanoLook for smaller regional banks that advertise that they don't resell your loan.

., You're right - It's different from county to county and MLS region to MLS region in FL.